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D076 Quiz Answers

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Which area of finance deals with Business finance is the area of finance that deals with uses and sources
sources of funding and the capital of funding to increase the value of the firm.
structure of corporations and
seeks to increase the value of a
firm to its owners?

Financial institutions

Business finance

Investments

Real estate

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What is the primary difference Finance focuses on the future, while accounting is generally backward-
between finance and accounting?
looking. Finance is the management and allocation of capital with the
Accounting focuses on the future, objectives of investing, forecasting, budgeting, saving, lending, and
while finance is generally borrowing.
backward-looking.

Finance provides financial data to

decision makers, and accounting
involves making decisions using
that data.

Accounting involves investing and

forecasting, while finance
summarizes a company's financial
information.

Which subspecialty of finance Investments. Investments is the area of finance that seeks to create
primarily involves deciding which wealth in the future by deciding where to allocate money.
assets will create more wealth and
earn positive returns?

Accounting

Financial institutions

Capital structure

Investments

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What is the primary goal of the To maximize owner wealth. The financial manager should make
financial manager of a firm?
decisions based on the primary goal of maximizing owner wealth.
To minimize the asset holdings of
the firm

To minimize the costs of the firm

To maximize owner wealth

To maximize the manager's utility

What should be the main question Do the benefits of this investment outweigh the costs? For any
a firm asks when considering any investment, you should expect to receive a benefit worth at least as
investment decision? much as the initial cost.

What is the primary aim of personal To maximize satisfaction from products purchased and services
finance goals? obtained

Which task does a financial Making financing decisions. The manager is deciding where to get the
manager perform when choosing funds to support a new project, which means the manager is making a
to obtain a loan to purchase a financing decision.
piece of equipment for a new
project?

Making credit standard decisions

Making investment decisions

Making inventory control decisions

Making financing decisions

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Which financial career focuses on Private equity deals with investments in firms that are privately held and
investing capital into firms whose whose ownership is not yet bought or sold on any public stock
shares are not currently sold on exchange.
any public stock exchange?

Private equity

Financial planning

Insurance

Corporate finance

Which task does a financial Making investment decisions. Understanding how benefits weigh up
manager perform when assessing against costs is the first priority before moving forward with financing
the costs and benefits of potential and managerial decisions.
projects?

Managing working capital

Making financing decisions

Making investment decisions

Implementing financial policies

What tool can you use to Budgeting helps you to understand your income and expenses and to
understand your overall personal analyze your cash flows.
cash flows?

Setting financial goals

Budgeting

Investing

Saving
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What is a reasonable alternative to Investing in a savings account. Investing in a readily withdrawable

keeping an emergency stash of account that still earns some interest is a value-preserving alternative.
cash?

Investing in a savings account

Investing the money in a nicer car

Investing in high-risk growth stocks

Investing in long-term bonds

You want to buy a house, so you Financing. Part of the personal finance process is figuring out how to
obtain a mortgage for which you finance your goals in a way that is within your means.
can afford the monthly payments.
What process have you engaged in
as part of your financial decision-
making?

Analyzing data

Financing

Assessing

Investing

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What area of finance involves Investments are an area of finance that involves deciding which assets
deciding which assets to invest in to invest in to create wealth in the future.
to create wealth in the future?

Investments

Organizational finance

Financial institutions

Investment banking

Hannah is the financial manager of Making a financing decision. Since the project has already been
a firm. A project that she has approved, Hannah is trying to find a way to finance the investment and
recommended has been approved considering its capital structure.
and will cost $5 million. Since the
company does not have enough
cash on reserve, Hannah must
figure out how to raise enough
money to start the project. She can
choose whether to issue new
bonds, new stocks, a mortgage
loan, or some combination of
those options. What task is Hannah
performing in this scenario?

Making an investment decision

Managing financial investments

Managing working capital

Making a financing decision

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Maria and Mateo are setting To maximize individual utility. While everyone has different personal
financial goals. They decide that financial goals, the objectives of such goals is to maximize individual
they need to save $200 each utility.
month to reach their goal of taking
their children to visit their
grandparents in Spain next
summer. What is the objective of
setting such a goal?

To minimize personal expenses

To set priorities in personal

finances

To maximize individual utility

To make personal finances

predictable

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